{"id":1125,"date":"2023-10-03T10:27:55","date_gmt":"2023-10-03T13:27:55","guid":{"rendered":"https:\/\/www.oppens.com.br\/?p=1125"},"modified":"2024-07-01T15:09:52","modified_gmt":"2024-07-01T18:09:52","slug":"devo-aplicar-meu-dinheiro-em-poupanca","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/","title":{"rendered":"Devo Aplicar Meu Dinheiro em Poupan\u00e7a?"},"content":{"rendered":"\n<p>Quando se trata de investir o dinheiro que voc\u00ea trabalhou duro para ganhar, \u00e9 essencial entender todas as op\u00e7\u00f5es dispon\u00edveis antes de tomar uma decis\u00e3o. Um dos investimentos mais tradicionais no Brasil \u00e9 a poupan\u00e7a, que apresentou saldo de R$ 959,7 bilh\u00f5es em setembro de 2023, segundo o Banco Central, mas ser\u00e1 que essa \u00e9 a melhor op\u00e7\u00e3o para voc\u00ea? <\/p>\n\n\n\n<p>Neste artigo, vamos explorar a forma de remunera\u00e7\u00e3o dos dep\u00f3sitos em poupan\u00e7a no Brasil, considerando a legisla\u00e7\u00e3o atual e comparando-a com outras alternativas de investimento.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Remunera\u00e7\u00e3o dos Dep\u00f3sitos em Poupan\u00e7a<\/h3>\n\n\n\n<p>De acordo com a legisla\u00e7\u00e3o atual (*), a remunera\u00e7\u00e3o dos dep\u00f3sitos de poupan\u00e7a \u00e9 composta por duas parcelas:<\/p>\n\n\n\n<p><strong>I &#8211; Remunera\u00e7\u00e3o B\u00e1sica:<\/strong> A remunera\u00e7\u00e3o b\u00e1sica \u00e9 determinada pela Taxa Referencial &#8211; TR. A TR \u00e9 um \u00edndice que costuma variar pouco e, muitas vezes, n\u00e3o acompanha a infla\u00e7\u00e3o, o que pode impactar negativamente o rendimento da poupan\u00e7a em per\u00edodos de alta infla\u00e7\u00e3o.<\/p>\n\n\n\n<p><strong>II &#8211; Remunera\u00e7\u00e3o Adicional:<\/strong> A remunera\u00e7\u00e3o adicional \u00e9 vari\u00e1vel e depende da meta da taxa Selic ao ano. Existem dois cen\u00e1rios poss\u00edveis:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Se a meta da taxa Selic ao ano for superior a 8,5%, a remunera\u00e7\u00e3o adicional ser\u00e1 de 0,5% ao m\u00eas.<\/li>\n\n\n\n<li>Se a meta da taxa Selic ao ano for igual ou inferior a 8,5%, a remunera\u00e7\u00e3o adicional ser\u00e1 de 70% da meta da taxa Selic ao ano, mensalizada.<\/li>\n<\/ul>\n\n\n\n<p>A remunera\u00e7\u00e3o dos dep\u00f3sitos de poupan\u00e7a \u00e9 calculada sobre o menor saldo de cada per\u00edodo de rendimento, que \u00e9 mensal para dep\u00f3sitos de pessoas f\u00edsicas e entidades sem fins lucrativos, e trimestral para os demais dep\u00f3sitos.<\/p>\n\n\n\n<p>A data de anivers\u00e1rio da conta de dep\u00f3sito de poupan\u00e7a \u00e9 o dia do m\u00eas de sua abertura. Se a conta for aberta nos dias 29, 30 ou 31, considera-se o dia 1\u00b0 do m\u00eas seguinte como a data de anivers\u00e1rio.<\/p>\n\n\n\n<p>A remunera\u00e7\u00e3o dos dep\u00f3sitos de poupan\u00e7a \u00e9 creditada ao final de cada per\u00edodo de rendimento, ou seja, mensalmente na data de anivers\u00e1rio da conta para dep\u00f3sitos de pessoa f\u00edsica e entidades sem fins lucrativos, e trimestralmente na data de anivers\u00e1rio no \u00faltimo m\u00eas do trimestre para os demais dep\u00f3sitos.<\/p>\n\n\n\n<p>Agora que entendemos como a poupan\u00e7a funciona, \u00e9 importante avaliar se ela \u00e9 a melhor op\u00e7\u00e3o de investimento para o seu dinheiro. A poupan\u00e7a tem a vantagem da liquidez imediata, ou seja, voc\u00ea pode retirar seu dinheiro a qualquer momento sem custos ou penalidades. No entanto, a remunera\u00e7\u00e3o da poupan\u00e7a nem sempre supera a infla\u00e7\u00e3o, o que significa que seu dinheiro pode perder poder de compra ao longo do tempo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Outras op\u00e7\u00f5es de investimento<\/h3>\n\n\n\n<p>Comparando a poupan\u00e7a com outras <a href=\"https:\/\/www.oppens.com.br\/opcoes-para-diversificar-meus-investimentos\/\">op\u00e7\u00f5es de investimento<\/a>, podemos destacar algumas alternativas:<\/p>\n\n\n\n<p><strong>1. Renda Fixa:<\/strong> Investir em t\u00edtulos de renda fixa, como CDBs, Tesouro Direto e LCIs\/LCAs, pode proporcionar rendimentos superiores \u00e0 poupan\u00e7a. Esses investimentos geralmente t\u00eam prazos definidos e oferecem taxas de juros mais atrativas.<\/p>\n\n\n\n<p><strong>2. <a href=\"https:\/\/oppens.com.br\/blog\/rascunho-automavoce-sabe-o-que-e-sep-sociedade-de-emprestimo-entre-pessoastico\/\">Empr\u00e9stimo entre Pessoas (P2P Lending)<\/a>:<\/strong> Se voc\u00ea est\u00e1 disposto a assumir um pouco mais de risco, o empr\u00e9stimo entre pessoas pode ser uma op\u00e7\u00e3o interessante. Plataformas de <em>P2P Lending<\/em> conectam investidores a tomadores de empr\u00e9stimos, permitindo que voc\u00ea ganhe juros em troca de emprestar seu dinheiro.<\/p>\n\n\n\n<p><strong>3. Investimentos em A\u00e7\u00f5es:<\/strong> Para quem busca retornos mais elevados e est\u00e1 disposto a investir a longo prazo, o mercado de a\u00e7\u00f5es pode ser uma escolha. No entanto, \u00e9 importante lembrar que esse tipo de investimento tamb\u00e9m envolve riscos significativos.<\/p>\n\n\n\n<p><strong>4. Fundos de Investimento:<\/strong> Os fundos de investimento oferecem uma diversifica\u00e7\u00e3o de ativos e s\u00e3o gerenciados por profissionais financeiros. Eles podem ser uma op\u00e7\u00e3o para investidores que desejam uma abordagem mais <em>hands-off<\/em>, ou seja, quando voc\u00ea n\u00e3o quer &#8220;botar a m\u00e3o na massa&#8221;.<\/p>\n\n\n\n<p>A poupan\u00e7a pode ser uma op\u00e7\u00e3o segura e l\u00edquida para manter seu dinheiro, mas n\u00e3o \u00e9 necessariamente a mais rent\u00e1vel. Dependendo de seus objetivos financeiros, prazo e disposi\u00e7\u00e3o para assumir riscos, outras alternativas de investimento podem ser mais vantajosas. \u00c9 essencial fazer uma an\u00e1lise cuidadosa de suas necessidades financeiras e considerar as diferentes op\u00e7\u00f5es dispon\u00edveis antes de decidir onde aplicar seu dinheiro.<\/p>\n\n\n\n<p>(*) &#8211; art. 12 da Lei n\u00ba 8.177, de 1\u00ba de mar\u00e7o de 1991, com a reda\u00e7\u00e3o dada pela Medida Provis\u00f3ria n\u00ba 567, de 3 de maio de 2012, e art. 7\u00ba da Lei n\u00ba 8.660, de 28 de maio de 1993.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quando se trata de investir o dinheiro que voc\u00ea trabalhou duro para ganhar, \u00e9 essencial entender todas as op\u00e7\u00f5es dispon\u00edveis [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1126,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[26,25],"tags":[16,11,10,14,12],"class_list":["post-1125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira","category-investimentos","tag-bacen","tag-credito","tag-emprestimo-2","tag-fintech","tag-investimento"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Devo Aplicar Meu Dinheiro em Poupan\u00e7a? - Oppens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Devo Aplicar Meu Dinheiro em Poupan\u00e7a? - Oppens\" \/>\n<meta property=\"og:description\" content=\"Quando se trata de investir o dinheiro que voc\u00ea trabalhou duro para ganhar, \u00e9 essencial entender todas as op\u00e7\u00f5es dispon\u00edveis [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/\" \/>\n<meta property=\"og:site_name\" content=\"Oppens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/people\/Oppensoficial\/61558022886830\/?mibextid=LQQJ4d\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-03T13:27:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-01T18:09:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2023\/10\/savings-jpg.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"paulo.bissacot@oppens.com.br\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"paulo.bissacot@oppens.com.br\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/\"},\"author\":{\"name\":\"paulo.bissacot@oppens.com.br\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#\\\/schema\\\/person\\\/9a79936c6f7b0a9c6c9d78ced28985b9\"},\"headline\":\"Devo Aplicar Meu Dinheiro em Poupan\u00e7a?\",\"datePublished\":\"2023-10-03T13:27:55+00:00\",\"dateModified\":\"2024-07-01T18:09:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/\"},\"wordCount\":761,\"publisher\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/savings-jpg.webp\",\"keywords\":[\"#bacen\",\"#credito\",\"#emprestimo\",\"#fintech\",\"#investimento\"],\"articleSection\":[\"Educa\u00e7\u00e3o financeira\",\"Investimentos\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/\",\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/\",\"name\":\"Devo Aplicar Meu Dinheiro em Poupan\u00e7a? - Oppens\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/savings-jpg.webp\",\"datePublished\":\"2023-10-03T13:27:55+00:00\",\"dateModified\":\"2024-07-01T18:09:52+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#primaryimage\",\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/savings-jpg.webp\",\"contentUrl\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/savings-jpg.webp\",\"width\":1280,\"height\":853},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/devo-aplicar-meu-dinheiro-em-poupanca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Devo Aplicar Meu Dinheiro em Poupan\u00e7a?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/\",\"name\":\"Oppens\",\"description\":\"Educa\u00e7\u00e3o financeira sobre cr\u00e9dito, empr\u00e9stimos e financiamentos\",\"publisher\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#organization\",\"name\":\"Oppens\",\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/novo_oppens-marca-horizontal.png\",\"contentUrl\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/novo_oppens-marca-horizontal.png\",\"width\":933,\"height\":243,\"caption\":\"Oppens\"},\"image\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/people\\\/Oppensoficial\\\/61558022886830\\\/?mibextid=LQQJ4d\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/oppensbank\\\/?viewAsMember=true\",\"https:\\\/\\\/www.instagram.com\\\/oppens.oficial\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#\\\/schema\\\/person\\\/9a79936c6f7b0a9c6c9d78ced28985b9\",\"name\":\"paulo.bissacot@oppens.com.br\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/220758b3e205274cee1d2ff75f5057dd997c7fcf71a6a2de3d0627df5f0f0a7d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/220758b3e205274cee1d2ff75f5057dd997c7fcf71a6a2de3d0627df5f0f0a7d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/220758b3e205274cee1d2ff75f5057dd997c7fcf71a6a2de3d0627df5f0f0a7d?s=96&d=mm&r=g\",\"caption\":\"paulo.bissacot@oppens.com.br\"},\"sameAs\":[\"https:\\\/\\\/www.oppens.com.br\"],\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/author\\\/paulo-bissacotoppens-com-br\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Devo Aplicar Meu Dinheiro em Poupan\u00e7a? - Oppens","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/","og_locale":"pt_BR","og_type":"article","og_title":"Devo Aplicar Meu Dinheiro em Poupan\u00e7a? - Oppens","og_description":"Quando se trata de investir o dinheiro que voc\u00ea trabalhou duro para ganhar, \u00e9 essencial entender todas as op\u00e7\u00f5es dispon\u00edveis [&hellip;]","og_url":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/","og_site_name":"Oppens","article_publisher":"https:\/\/www.facebook.com\/people\/Oppensoficial\/61558022886830\/?mibextid=LQQJ4d","article_published_time":"2023-10-03T13:27:55+00:00","article_modified_time":"2024-07-01T18:09:52+00:00","og_image":[{"width":1280,"height":853,"url":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2023\/10\/savings-jpg.webp","type":"image\/jpeg"}],"author":"paulo.bissacot@oppens.com.br","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"paulo.bissacot@oppens.com.br","Est. tempo de leitura":"5 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#article","isPartOf":{"@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/"},"author":{"name":"paulo.bissacot@oppens.com.br","@id":"https:\/\/oppens.com.br\/blog\/#\/schema\/person\/9a79936c6f7b0a9c6c9d78ced28985b9"},"headline":"Devo Aplicar Meu Dinheiro em Poupan\u00e7a?","datePublished":"2023-10-03T13:27:55+00:00","dateModified":"2024-07-01T18:09:52+00:00","mainEntityOfPage":{"@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/"},"wordCount":761,"publisher":{"@id":"https:\/\/oppens.com.br\/blog\/#organization"},"image":{"@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#primaryimage"},"thumbnailUrl":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2023\/10\/savings-jpg.webp","keywords":["#bacen","#credito","#emprestimo","#fintech","#investimento"],"articleSection":["Educa\u00e7\u00e3o financeira","Investimentos"],"inLanguage":"pt-BR"},{"@type":"WebPage","@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/","url":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/","name":"Devo Aplicar Meu Dinheiro em Poupan\u00e7a? - Oppens","isPartOf":{"@id":"https:\/\/oppens.com.br\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#primaryimage"},"image":{"@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#primaryimage"},"thumbnailUrl":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2023\/10\/savings-jpg.webp","datePublished":"2023-10-03T13:27:55+00:00","dateModified":"2024-07-01T18:09:52+00:00","breadcrumb":{"@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#primaryimage","url":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2023\/10\/savings-jpg.webp","contentUrl":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2023\/10\/savings-jpg.webp","width":1280,"height":853},{"@type":"BreadcrumbList","@id":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/devo-aplicar-meu-dinheiro-em-poupanca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/oppens.com.br\/blog\/"},{"@type":"ListItem","position":2,"name":"Devo Aplicar Meu Dinheiro em Poupan\u00e7a?"}]},{"@type":"WebSite","@id":"https:\/\/oppens.com.br\/blog\/#website","url":"https:\/\/oppens.com.br\/blog\/","name":"Oppens","description":"Educa\u00e7\u00e3o financeira sobre cr\u00e9dito, empr\u00e9stimos e financiamentos","publisher":{"@id":"https:\/\/oppens.com.br\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/oppens.com.br\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/oppens.com.br\/blog\/#organization","name":"Oppens","url":"https:\/\/oppens.com.br\/blog\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/oppens.com.br\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2024\/08\/novo_oppens-marca-horizontal.png","contentUrl":"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2024\/08\/novo_oppens-marca-horizontal.png","width":933,"height":243,"caption":"Oppens"},"image":{"@id":"https:\/\/oppens.com.br\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/people\/Oppensoficial\/61558022886830\/?mibextid=LQQJ4d","https:\/\/www.linkedin.com\/company\/oppensbank\/?viewAsMember=true","https:\/\/www.instagram.com\/oppens.oficial\/"]},{"@type":"Person","@id":"https:\/\/oppens.com.br\/blog\/#\/schema\/person\/9a79936c6f7b0a9c6c9d78ced28985b9","name":"paulo.bissacot@oppens.com.br","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/220758b3e205274cee1d2ff75f5057dd997c7fcf71a6a2de3d0627df5f0f0a7d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/220758b3e205274cee1d2ff75f5057dd997c7fcf71a6a2de3d0627df5f0f0a7d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/220758b3e205274cee1d2ff75f5057dd997c7fcf71a6a2de3d0627df5f0f0a7d?s=96&d=mm&r=g","caption":"paulo.bissacot@oppens.com.br"},"sameAs":["https:\/\/www.oppens.com.br"],"url":"https:\/\/oppens.com.br\/blog\/author\/paulo-bissacotoppens-com-br\/"}]}},"_links":{"self":[{"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/posts\/1125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/comments?post=1125"}],"version-history":[{"count":3,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/posts\/1125\/revisions"}],"predecessor-version":[{"id":1334,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/posts\/1125\/revisions\/1334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/media\/1126"}],"wp:attachment":[{"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/media?parent=1125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/categories?post=1125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oppens.com.br\/blog\/wp-json\/wp\/v2\/tags?post=1125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}